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1.
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Who is Daman?
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Daman was established by the Abu Dhabi Government to provide a compulsory health insurance plan for expatriates and will have exclusive access to the public providers in Abu Dhabi. It was established in September 2005.
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2.
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Why choose Daman?
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The National Health Insurance Company - Daman is the first and largest specialized national health insurance company to be formed in the United Arab Emirates.
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3.
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Why has insurance replaced the health card?
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The new health insurance law issued by the Emirate of Abu Dhabi states that all expatriates working and residing in Abu Dhabi should be medically covered under insurance. The law also says visitors of United Arab Emirates should be medically covered under insurance.
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5.
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Where can I apply for insurance?
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For individuals and groups less than 50 members, please approach any of our branches (see Contact Us for locations). For groups exceeding 50 members, please contact our sales team operational at our Al Bateen office.
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6.
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How do I contact Daman?
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Daman’s competitive advantage is its superior customer service. Daman’s call centre is one of the largest in the region providing a consistent and high level of support to Daman’s valuable members 24 hours 7 days a week. For further information regarding details of contact please refer to our Contact Us page.
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7.
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Where can I provide my feedback?
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As valued members of Daman, we welcome all your feedback. Your feedback will give us insights on how to develop and improve our services. Please call our toll free number or email us on our customerinfo@damanhealth.ae or feedback@damanhealth.ae.
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8.
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What plans are offered by Daman?
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Please check the product link on our website www.damanhealth.ae for the complete range of health insurance products offered by Daman.
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9.
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When do I need to renew my card?
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Daman grants a one year insurance plan and should be renewed at the end of each policy year. The policy should be renewed at the same branch the card was issued from. Please give us a notice of at least 5 working days to transfer your file to another branch if needed.
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10.
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Who is eligible for Abu Dhabi Plan?
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Abu Dhabi Plan is the only basic plan provided by Daman. Expatriates with a total monthly salary package of less than AED 5000 or AED 4000 and accommodation, is the only criteria eligible for such a plan. Abu Dhabi plan costs AED 600 which is non-refundable in case of cancellation.
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11.
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What documents do I need to submit for the Basic Plan?
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To ensure a fast enrollment process, please make sure all the following documents are available: • Completed application form • Passport copy • One photograph • Salary certificate and a labour contract signed and stamped • Copy of valid General Health Authority services health card (if available). Additional documents might be requested if needed. For more details, please contact Daman on 800 432626. For newly hired housemaids, a medical examination should proceed before applying for the card.
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13.
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Who is eligible for the enhanced plans? What is the premium of each plan?
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Any person who is not eligible for the basic plan can get any of the 4 enhanced plans. Premiums are determined by the following factors: Age, Gender, Maternity and Dental coverage, Geographical coverage, Medical conditions or pre-existing diseases. Members older than 55 years or children younger than 7 months need to submit a medical report describing their health status. For more details, please contact Daman on 800 432626.
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19.
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When should I submit my claims?
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Claims should be submitted within 60 days from the date of service if you avail the service inside UAE and within 90 days from the date of service if you avail the service outside UAE.
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22.
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How do I know what my policy covers?
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Each member insured with Daman will get a manual along with the Health Insurance Card. The manual provides all the necessary information about the policy and its benefits, the geographical coverage, the network and the exclusions. You can also check our website for more details.
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23.
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Which hospitals are included in Daman’s network ?
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Daman has a large network of health service providers which is updated on a regular basis. The list of providers varies from one plan to the other, and can be checked in the manual provided with your card or through the online provider directory on our website.
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29.
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Does Daman cover dental treatment?
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Yes, Daman covers dental treatment for groups who are part of enhanced plans such as UAE, Regional, International and Global Plans. For individuals, dental services can be added only to International and Global plans.
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31.
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Can Daman adjudication rules be used as treatment guidelines?
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No. Daman adjudication rules are not recommendations for treatment and should never be used as treatment guidelines. They contain technical information on the coverage decisions for beneficiaries under Daman health benefit plans and our adjudication policies.
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34.
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What will be the effective date of the adjudication rules?
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The first set of Daman adjudication rules will be published on www.damanhealth.ae in February 2012, whose implementation date will be March 01, 2012. In the interim period, we will fine tune our system and train our adjudicators so as to adhere to the rules laid out and effective from March 01, 2012, Daman will not entertain payments for services outside the scopes of coverage highlighted in these adjudication rules. This will bring us one step ahead in achieving our goal of ‘consistent adjudication’.
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35.
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What is type 2 diabetes?
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Type 2 diabetes is a metabolic disorder resulting from the body's inability to make enough, or to properly use, insulin. It used to be called non-insulin-dependent diabetes mellitus (NIDDM). Without adequate production or utilization of insulin, the body cannot move blood sugar into the cells. It is a chronic disease that has no known cure. It is the most common type of diabetes.
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36.
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What is prediabetes?
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Type 2 diabetes is commonly preceded by prediabetes. In prediabetes, blood glucose levels are higher than normal but not high enough to be defined as diabetes. However, many people with prediabetes develop type 2 diabetes within 10 years, states the National Institute of Diabetes and Digestive and Kidney Diseases. Prediabetes also increases the risk of heart disease and stroke. With modest weight loss and moderate physical activity, people with prediabetes can delay or prevent type 2 diabetes.
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37.
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What causes type 2 diabetes?
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The exact cause of type 2 diabetes is unknown. However, there does appear to be a genetic factor which causes it to run in families. And, although a person can inherit a tendency to develop type 2 diabetes, it usually takes another factor, such as obesity, to bring on the disease.
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38.
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What are the symptoms of type 2 diabetes?
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Some people who have type 2 diabetes exhibit no symptoms. Symptoms may be mild and almost unnoticeable, or easy to confuse with signs of ageing. In fact many persons with type 2 diabetes already show the presence of long term complications associated with diabetes at the time of diagnosis.
The following are the most common symptoms of type 2 diabetes. However, each individual may experience symptoms differently. Symptoms may include: Frequent infections that are not easily healed High levels of sugar in the blood when tested High levels of sugar in the urine when tested Unusual thirst Frequent urination Extreme hunger with unusual loss of weight Blurred visionNausea and vomitingExtreme weakness and fatigueIrritability and mood changesDry, itchy skinTingling or loss of feeling in the hands or feet
The symptoms of type 2 diabetes may resemble other conditions or medical problems. Always consult your physician for a diagnosis.
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39.
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What are the risk factors for type 2 diabetes?
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Risk factors for type 2 diabetes include the following:Age. People aged 45 or older are at higher risk for diabetesFamily history of diabetes or cardiovascular diseaseBeing overweightNot exercising regularlyHaving a family history of diabetes or cardiovascular diseaseHaving high blood pressure or high cholesterolSmokingHaving pre-diabetesHaving had gestational diabetes while pregnantA low level HDL (high-density lipoprotein - the "good cholesterol")A high triglyceride levels
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40.
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What are the measures to prevent and lower the risk factors?
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You can prevent or delay the onset of type 2 diabetes through a healthy lifestyle – Change your diet, increase your level of physical activity and maintain a healthy weight. With these positive steps, you can stay healthier longer and reduce your risk of diabetes. While genetics plays an important role, you still have the ability to influence your health to prevent diabetes by adopting a healthy lifestyle and following a program to eliminate the risk factors. Control what you can. You can't do anything about ageing, but you can become more active and eat healthier.
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41.
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What are the common treatment measures followed to prevent complications?
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Specific treatment for type 2 diabetes will be determined by your physician based on:Your age, overall health, and medical historyExtent of the diseaseYour tolerance for specific medications, procedures, or therapiesExpectations for the course of the diseaseYour opinion or preference
The goal of treatment is to keep blood sugar levels as close to normal as possible. Emphasis is on control of blood sugar (glucose) by monitoring the levels, regular physical activity, meal planning, and routine health care. Treatment of diabetes is an ongoing process of management and education that includes not only the person with diabetes, but also health care professionals and family members.
Often, type 2 diabetes can be controlled through losing weight, improved nutrition, and exercise alone. However, in some cases, these measures are not enough and either oral or injected medications and/or insulin must be used. Treatment often includes:Healthy dietWeight controlAn appropriate exercise programRegular foot inspectionsOral medications, other medications, and/or insulin replacement therapy, as directed by your physician. Regular monitoring of the hemoglobin A1C levels. The hemoglobin A1C test (also called HbA1c test) shows the average amount of sugar in the blood over the last three months. Poorly managed diabetes can cause problems with the kidneys, legs, feet, eyes, heart, nerves, and blood flow, which could lead to kidney failure, gangrene, amputation, blindness, or stroke. For these reasons, it is important to follow a strict treatment plan.
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